Finance This and That

I have always been aware of my own finances. I always make sure that I am debt free. I hated the idea of outstanding bills because yes, it's annoying. And it always feel awesome to be free from debt. Now that I am entering the next phase soon. I have to be more aware of my own financial status. I admit; I want to be rich. Rich in cash and of course, health too. That's another issue to be worried about. Went for medical check up and it was all thumbs up except for the weights part. No need further elaboration on that already.

Anyway, I was talking to 20 cents about investment and mutual funds last night. Yes, we are such boring couple. I can't stop thinking about it knowing that I have such shallow knowledge on finances. I took a paper on finance before and it wasn't exactly pleasant because I just passed it. And I don't remember much of what I learned. It's that sad. Maybe I wasn't interested. I only find my interest in finance once I graduated. Why not then but now? Oh well..better late than never. So, yes.. we were talking about how I should invest when I have petty cash to spare after bills and other miscellaneous expenditures. For a fresh graduate like myself , I believe that our first salary would not be so attractive to actually cover what we want to spend. The word, "WANT" is such a sin sometimes. It makes me want everything but I know I could not want everything that I want for wanting it. Oh the horror of WANTING!

I am not a local; as in I am not from KL. I came from a smaller city where living expenses justified whatever I will be earning. That's another story to talk about. Now that I am in KL; living expenses here are horrifying. Like literally scary. I remembered the first time I stepped my feet here; things were expensive but definitely not high soaring like the prices now. It's madness, I tell you. Rapid KL used to cost like RM2 a day where I can utilize my bus ticket for just RM2 anywhere I want to go. But now, it costs RM2+ per journey (depending on the location); it costs like RM3 from USJ to KL Sentral for only one way. As for mini bus, it was only 70 cents but now it's RM1. In just 3 years, everything hike up to prices that consumers do not wish to pay. We do not have much choices. Sucks to be us sometimes. Thank God I managed my finances quite alright. If a student like me wants to save, the alternative is to find a part time job and ensure that the part time job does not take most of your time for your studies. There were just so many things to think about even as a student.

I believe that managing finances doesn't require much time as long as I manage it properly. I supposed. Now that I am on my own and am a grown up; I can't believe I am calling myself a grown up.. I seriously do not want to grow up. All the commitments and responsibilities sometimes freak me out. Can you believe that I have to be married in another couple of years and start my own family???!! Oh that horror! Not that I mind but time just fly too fast; I just do not know if I will be prepare for all these. Gosh! Not only that, I am actually planning to get my own property. Yes people, I am a very ambitious girl. Just read a piece of news that mentioned something about a property per person and if one wants to get second one, one has to sell the first one to purchase the next one. This means I won't be able to do investment on properties? I am sad.

For now, I'll make sure I do well in my job and secure my job for the coming years. We will see what will happen to me soon..great things and blessings to come my way. Woots! And me being me would love to thank Jesus for being so awesome to me :)

Updated
Was calculating the estimation of expenditures of mine and it was whoa! The numbers are scary and I have yet even start working. I know I shall not fear for this and that and pray for the best.. but I simply just can't stop thinking. And I am currently looking for a place to stay. I particularly love this certain area. Called the lady who wanted to rent the room out but rejected because I needed to do light cooking. FML max. Why oh why can't I have what I want for once? Why??

And I managed to Google this fresh graduate new car banking programme. I am thinking of getting one after 6 months but getting a car is a commitment that I am unsure of. So many things to think about.. I shall stop thinking much already. I am going nuts soon!